Let’s talk about good changes.  Those changes that come when you start living below your means. Living above your means is something that people do every day. But, the enjoyment of getting new things when you can’t afford them can drive your credit card balance up in no time.  On top of that, the immediate

As a parent, you are the biggest influence on the way your kids will manage money, but talking to them about personal finances can be tough. Just remember that there are daily opportunities to help your children understand best practices when it comes to managing their money.  Keep an eye out for teachable moments on